Retire? More Finns Are Thinking Twice No question, even Finland has plenty of work ahead. But the wake-up call has spurred companies to experiment as never before with getting the best out of older workers.

Mexico: A Pension Patchwork With Big Holes Most Mexican's face a bleak future. Today, 52% of Mexico's senior citizens live in poverty. Over the next 20 years the population age 65 and over will more than double, and more than half will have no old-age pension.

Lesson From Abroad: Make Them Mandatory At first blush it seems fair and reasonable to let Americans opt in or out of personal accounts. But if the experience of other nations is any guide, personal accounts usually work better when they're mandatory.

Editor's Note Opponents of privatizing Social Security are arguing that if professional pension funds can't succeed, what hope is there for individuals? Not much, assuming individuals engage in all the shenanigans the pros have.

Rewritting The Rules Many older Americans don't plan to retire-either because they want to, or have to stay working. It's expected that many baby boomers are going to need financial planning and advice, but not the kind that their grandparents and parents did.